1. Credit cards are generally password+signature consumption. If the credit card consumption is not signed by myself, handwriting identification can be carried out.

2. When others use my credit card to spend money, they are not together in time and space. I can ask the judicial organ to retrieve the video of others' consumption;

3. If the cardholder lends the credit card to others, the cardholder can fix the evidence of others borrowing the credit card by telephone, SMS, WeChat, QQ, etc.

4. Find an insider to testify.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Application method:

Generally, a credit card application form is filled out, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.